PLAN HIGHLIGHTS FOR THE 2020–2021 SEASON
COVID-19 Pandemic Coverage
The TravelHealth Medical Plan gives you an option when it comes to COVID-19 coverage.
The policy provides up to $100,000 coverage due to COVID-19 emergencies. Benefits include coverage for testing, outpatient services, and doctor's office / clinic visits. If you are quarantined outside of Canada due to a positive COVID-19 test outside of Canada, up to $2,500 (maximum of $200 per day) for quarantine related expenses plus up to a total of 17 total days of automatic extension of coverage at no extra cost. Also, emergency assistance services to return you to Canada by the most economical means are provided.
Full policy benefit limits, up to $2,000,000, will be provided with the purchase of the Upgraded COVID-19 Coverage option which will include inpatient services, in addition to the above benefits. See the policy for full details.
DEDUCTIBLE REDUCTIONS
If you were insured last season under any of the Travel Insurance Specialists products and did not report a claim, your US$350 standard deductible will be reduced to US$300 when purchasing the TravelHealth Medical Plan this season. Also, if you did not report a claim in the last 2 consecutive seasons, your deductible will be reduced to US$250; if you did not report a claim in the last 3 consecutive seasons, your deductible will be reduced to US$200 or if you did not report a claim in the last 4 consecutive seasons, your deductible will be reduced to US$150.
Also, if you have a deductible of US$75 or more, you can get a US$50 reduction on that deductible if you visit a stand alone clinic or doctor's office instead of a hospital or any emergency room.
Benefits for Emergencies
We provide coverage up to $2 Million per person per claim for emergency medical services.
Deductible Choices (Optional)
The policy has a US$350 deductible per claim. You have the option to change your deductible to ZERO, US$500, US$1,000, US$5,000, or US$10,000.
Buy down your pre-existing condition stability period (Optional)
The pre-existing condition stability period that you qualify for (either 3 months or 12 months) is based on the plan that you qualify for. If you qualify for a pre-existing condition stability period of 12 months prior to any departure date, you have the option to "buy-down" the stability period for pre-existing condition coverage to 3 months. If you choose this option, the policy will cover eligible expenses for a medical condition that was stable in the 3 months prior to the departure date of any trip.
Also, if you had a replacement, elimination or an increase/decrease in dosage or frequency of a medication that was prescribed more than 3 months prior to your departure date, you can reduce the stability period for the medical condition that the medication treats to 1 month prior to any departure date.
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Snowbird medical insurance experts for over 25 years
Underwritten by Industrial Alliance Insurance and Financial Services Inc.